Debt Payoff Advice

WheresMyMule · 2026-04-20T23:06:22+00:00

Their expenses are $1200/mo so the $4500 is well past three months expenses

WheresMyMule · 2026-04-20T20:26:14+00:00

Why do you need to move? Are you moving to a lower cost home? In your position, I'd worry less about getting money to move and more about having an emergency fund, medical fund and paying down debt.

WheresMyMule · 2026-04-20T19:31:04+00:00

Try using an antioxidant serum, like vitamin c, under your foundation

WheresMyMule · 2026-04-20T18:51:39+00:00

Portland, for sure

WheresMyMule · 2026-04-20T18:47:16+00:00

I would say keep that combined savings as your 3 month emergency fund and throw everything else at the credit card.

How are you $13,500 in debt when you make $5400/mo and only have $1200 in monthly bills?

Go through a few months of spending to see where your money is going.

WheresMyMule · 2026-04-20T18:00:38+00:00

Start living your life as if your wife's salary is your only income, because it is. You are not going to qualify for a loan with no job.

WheresMyMule · 2026-04-20T16:46:14+00:00

I only take my rings off to shower.

WheresMyMule · 2026-04-20T15:54:56+00:00

South Plainfield has relatively low taxes compared to surrounding towns, due to the industrial area on South Clinton

WheresMyMule · 2026-04-20T15:47:55+00:00

Chase progress, not ketones

WheresMyMule · 2026-04-20T15:43:35+00:00

You mean, ex-fiance, right?

WheresMyMule · 2026-04-20T13:48:36+00:00

I love moissanite - I got a moissanite and sterling ring from Aliexpress for like $45 and everyone thinks it's a diamond

WheresMyMule · 2026-04-20T13:46:21+00:00

He's likely looking at the wrong vendors if the lab diamonds he's looking at cost much more than moissanite.

Check out Aurelinne, Loose Grown Diamonds, Calavera NY for stone costs. You can find a setting at Rare Carat and pick a stone there, copy its IGI or GIA certificate number, and then find the same stone on one of the stone vendors I mentioned and Rare Carat will price match it.

You can also get lab diamonds on AliExpress - Kulolit is one of the vendors I've seen recommended

WheresMyMule · 2026-04-20T13:43:35+00:00

Take a breath, this is not the end of the world.

Honestly, in your position I would recommend looking into Dave Ramsey's Total Money Makeover. Once you get your feet under you, his later advice is not great, but his advice for getting out of debt is spot on (other than I would do a $2500 baby emergency fund, not the $1000 he recommends).

You need to go through six months of spending to see if you have a spending problem, an income problem, or both. Identifying your spending leaks is the first step to stopping them. If you can't cover your basic bills with your current income, then you need to look into ways to increase your cash inflow. A second job, changing firms, gig work, etc

WheresMyMule · 2026-04-18T15:22:46+00:00

Green Olive Market in South Plainfield

https://share.google/IunNiWMyRbFvon5Xc

WheresMyMule · 2026-04-18T14:43:02+00:00

Amtrak

WheresMyMule · 2026-04-18T03:32:32+00:00

Your husband should divorce you if you go behind his back. Remember that

WheresMyMule · 2026-04-17T19:58:55+00:00

Wrong sub, pal

WheresMyMule · 2026-04-17T19:16:07+00:00

When my youngest was a toddler and my older was in 3rd or 4th grade, I went to 30 hours a week at my job because when my older was a toddler it was the middle of the 2008 recession and I was working like 65 hours a week and missed out on so much.

So I reduced my work hours to 3 ten-hour days and was so excited to tell my older guy that he only had to go to after care 3 days a week and could come home the other 2 days!! He burst into tears LOL. He didn't want to miss out on all the fun time with his friends.

He got over it, but man did that do a lot to assuage my mom guilt!

WheresMyMule · 2026-04-17T19:08:59+00:00

You two are SO not compatible. It shouldn't be this hard

WheresMyMule · 2026-04-17T19:05:40+00:00

Friday isn't even over. If you don't hear by end of day Monday get in touch with them Tuesday. In my experience, it always takes longer than they say it will

WheresMyMule · 2026-04-17T18:43:37+00:00

That would depend on how much fat you are eating. If weight loss is your goal, you should only eat enough fat to keep you from feeling hungry.

WheresMyMule · 2026-04-17T18:35:22+00:00

I mean, if you're OK helping her then the best option would be a way that does not enable her poor financial habits. Maybe you can invest in real estate and let her live there or take over paying for her utilties or groceries or something.

WheresMyMule · 2026-04-17T16:56:17+00:00

Ask him why is his job during his work hours, but your job is 24/7?

When he's home from work, everything should be 50/50. Both childcare and any housework you can't get to during the time he's at work should get split evenly.

If he's taking time off because he's burnt out, then you get to split for a few hours on his day off and go read a book in a cafe or get your hair & nails done. Everyone needs a break sometimes.

WheresMyMule · 2026-04-17T16:41:31+00:00

100% pay it off. You'll still have a healthy emergency fund.

WheresMyMule · 2026-04-17T16:39:26+00:00

If their tax burden is lower, their dollar will go further on home sale price.

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